Track balances, set a budget, and follow Must pay, Extra, and Focus in one place.
Getting started
Create your account, review Home, add debts on My Debt, set Plan, then Mark as Paid on Payments.
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Plan and budget
Learn the Plan tiles that drive coaching: Must pay, Extra, Focus, and Unspent.
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Payments
What changes your balance and streak, and what only hides a due from the list.
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Plan and budget
Compare avalanche, snowball, and other strategies, then set custom order when you need it.
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Plan and budget
Set the amount you can put toward debt each month so Focus and projections stay honest.
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Accounts and BNPL
Enter balance, APR, minimum payment, due day, and optional promo APR fields. Pay-later purchases use a separate form.
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A calm, step-by-step path out of debt: list what you owe, cover Must pay, free Extra for Focus, protect a small buffer, and stay consistent month after month.
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Pay off credit card debt with a clear list, Must pay covered, Extra aimed at one Focus card, and habits that stop new charges from undoing progress.
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Build a complete debt inventory with balances, APRs, minimums, and due dates so Must pay and Focus rest on real numbers, not guesses.
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Build a payoff budget that protects essentials, covers Must pay, frees Extra for Focus, and uses Unspent leftovers without starving your plan.
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Protect payoff progress by pausing nonessential revolving charges, tracking BNPL stacks, and giving Focus a chance to shrink balances for real.
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Learn why minimums mostly maintain accounts, how Extra shortens payoff, and how to aim surplus at one Focus debt without breaking cash flow.
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